The lodestar of a medical billing specialist is trust. Though much of work required of a medical billing specialist entails scanning, copying, filing, transcription, and other tasks we may view as thankless are actually essential to our personal and financial security.

As Pres. Bush was touring Midwest, shortly before he was re-elected as President, and even after, he spoke of medical reform centering on liability costs. He called it “defensive medicine.” Searching for a good medical billing specialist who is familiar with reliable electronic medical record systems is quite possibly one of best defensive medicines that consumers and practices can employ. I say that because small practices spend an average of $150,000 per year in liability costs. That may include insurance or even law suits. Consumers may also have to fit liability bill if things get ugly.

In actuality, a medical billing specialist and a good EMR, or electronic medical record system, will save consumers and practices from adding hundreds of thousands of dollars to their balance sheets. Both medical billing specialist and EMR system they use must be able to keep up with needs of day-that is, are they both able to transcribe, edit, and store; or to batch, secure, organize? And are records accessible to approved personnel even on a pocket PC or when traveling?

In fact, she came from a broken family and she was abused as a child. She's also African-American and a woman, so discrimination was likely a factor that counted against her somewhere along way.

So why is she now worth a billion dollars while many Harvard-educated, white males who grew up with every advantage only make a comfortable living?

Ever wonder why success seems to come easily for some people while others struggle at everything they do? What makes difference?

Success in Multi-Level Marketing (MLM), Network Marketing, or anything else in life is predictable and can be duplicated by following time-tested principles that all millionaires use.

In fact, if you don't receive training in these principles of wealth, you can NEVER have it in your life. At least not for long. If you do somehow become wealthy in MLM without learning these principles, you won't keep it.

Want proof? Just look at people who have won lottery:

William "Bud" Post won $16.2 million in Pennsylvania lottery in 1988. Now he lives on his Social Security and food stamps which amounts to $450 a month.

Ken Proxmire was a machinist when he won $1 million in Michigan lottery. He moved to California and went into car business with his brothers and he filed for bankruptcy within five years.

Suzanne Mullins won $4.2 million in Virginia lottery in 1993. Today she's deeply in debt to a company that loaned her money using winnings as collateral.

"Winning lottery isn't always what it's cracked up to be," says Evelyn Adams. She won New Jersey lottery not just once, but twice (1985, 1986), in an amount of $5.4 million. Today she lives in a trailer and all money is gone.

Janite Lee from Missouri won $18 million in 1993. She generously gave her money to a variety of causes including politics, education and community. According to published reports, eight years after winning, Lee had filed for bankruptcy with only $700 left in two bank accounts and no cash on hand.

Willie Hurt of Lansing, Mich., won $3.1 million in 1989 and two years later he was broke and charged with murder. His lawyer says he spent his fortune on a divorce and cocaine.